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HomeBlog BlogHow To Deal With Ruthless Debt Collectors
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How To Deal With Ruthless Debt Collectors

April 10, 2013 by National Debt Relief

Debt collector hollering into micIf you have had a pleasant experience with a debt collector, consider yourself fortunate. The majority of people who are contacted by debt collectors report that these were bad experiences.

What to do first

If you’re contacted by a collector, the first thing you should do is check your credit report to see if the debt you’re being harassed over shows up as “charged off.” If so you do not owe the debt collector one single penny. However, if the debt is legitimate then people do have the right to try to collect on it.

Debt collectors have thick skins

The first thing you need to understand about a debt collector is that he is a third-party who works for a collection agency.. This is not the company that originally held your debt. Debt collectors generally have a quota and get paid on commission. This means they earn very little unless they can pry money out of you.

This can mean nothing

You might receive a call from a debt collector who says you owe money but you may not. The FFair Debt Collections Practices Act sets down rules that debt collectors are required to follow. For example, you can dispute the legality of the debt. You can dispute the interest being charged, fees and penalties and the original balance. In many cases, the debt has been resold several times so how are you to know that you actually owe something?

How to get a debt validated

When you first get a notice from a debt collector or a phone call, tell him that you want your debt validated. You will have 30 days from the time you were first contacted by the collector to dispute the validity of the debt. If you don’t, then the debt collector will assume the debt is valid. In other words, when you’re contacted about the debt you must request validation. To have the debt validated, you can ask to see copies of the original contract, along with documents showing the last payments posted and any fees or penalties that were added.

What happens if the collector cannot validate your debt

If the collector cannot verify the validity of your debt, you may not have to pay it. You also may not have to have that debt on your credit record. If the collector bought a legitimate debt it should have documentation from the original source validating the debt.

Some of your other rights

According to the Fair Debt Collection Practices Act (FDCPA), collectors are not to call you at work or at home or flood your mailbox with notices. In the event that an unscrupulous debt collector is harassing you, you can send a cease and desist letter. You would tell them in that letter that you do not want to be contacted anymore either by phone or mail. Be sure to send the letter registered and return receipt requested so you can prove the agency received it. Collection agencies are required to abide by this request. If not, you can sue it.

One last contact

The FDCPA mandates that once a collection agency receives your letter, all it can do is contact you one final time to tell you that it is planning to file suit against you. In the event that this occurs, you’ll need to use some common sense and weigh things before panicking. For example, is the debt big enough that the collection agency would actually file suit? The answer is that if it’s less than $500, it probably won’t.

You could negotiate

You also have the right to try to negotiate the debt. If the debt collector is having a slow month, he might be willing to settle the debt for less than you owe – and maybe for much less. In this case, timing is critical. This is because debt collectors are more likely to agree to settle with you towards the end of the month. If the collector does agree to settle, be sure to get it in writing. Never take the collector’s word for it. Get everything in writing before you agree to anything,

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National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
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Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/17/2021 Charlotte: I am calling because I wanted to ask a few quick questions about your experience with National Debt Relief [unclear 0:00:27]. JOSE: It’s good. Charlotte: Now before I begin, I have to let you know that our call is recorded. Can you tell me what actually made you decide to work with [unclear 0:00:40] National Debt Relief as opposed to other providers? JOSE: Good. Charlotte: What made you decide to work with National Debt Relief, as opposed to other debt relief companies? JOSE: Aside from your reviews, I’m guessing the success of the reviews. Charlotte: Tell me about the service and the program that National Debt Relief signed you up for? JOSE: I was able to collect all my debt into one chunk and then pay it off. Also was able to get settlements lower than what the balance was. Charlotte: How easy or difficult would you say the enrollment process was? JOSE: It was pretty simple. It wasn't difficult at all. Charlotte: Now is there anything about the process that you feel could have been improved? JOSE: Not at all. I think everything went smoothly. Charlotte: Perfect. Can you give me a little feedback on your experience with your negotiator? What did you think about your negotiator? JOSE: Negotiator was really firm and fair. Charlotte: Do you happen to remember the name of your negotiator by chance? JOSE: I do not, actually. Charlotte: Okay. Is there anything about that representative stood out [unclear 0:03:04] at all? JOSE: No, not at all. Charlotte: Perfect. How comfortable did you feel working with the negotiator through this process? JOSE: Very comfortable. Charlotte: Perfect. So if you had any questions or concerns, how did the negotiator work with you to resolve any questions or concerns that may have arisen? JOSE: At this point, I really didn't have any concerns at all. So, I mean, been doing a great job. Charlotte: Awesome. So if you were gonna rate your experience with National Debt Relief so far, on a scale of maybe one to five, and five would be that you would recommend to friends and one is you were pretty dissatisfied, how would you rate them? JOSE: Is 5 the highest? Charlotte: Yes, 5 is the very highest. JOSE: Okay. Then we’ll go with 5. Charlotte: Would it be okay if I posted your comments as a review on our public web site for National Debt Relief? JOSE: Yes. Charlotte: I will also send over a link so that you can have it as a record for yourself as well. And I have you at salvipride673@gmail.com. JOSE: Yes. Charlotte: How did National Debt Relief work with you as far as setting up a payment [unclear 0:04:45]? JOSE: They did pretty good. Like I said, I have no complaints at the moment. Charlotte: How comfortable were you with the amount that you were paying? JOSE: Very comfortable. Charlotte: Perfect. Now as far as your thoughts on the cost in relation to the quality of service you received at National Debt Relief, what would you say about that? JOSE: The service team was all right. Charlotte: Now if you were going to rate your experience on a one to five, five is that you would recommend to friends and one is you're pretty dissatisfied, how would you rate them? JOSE: 5. Charlotte: Perfect. Would it be okay if I posted a few of your comments to our website? JOSE: Yes. Charlotte: Now if a friend or a family member were asking you about National Debt Relief, what would you say? JOSE: Really great people to work with. Very quick and easy, very responsive, no issues. Really makes you feel like they’re there for you. So not a scam at all. Charlotte: Perfect. Now about where are you in the process at this point? JOSE: I've already had two creditors resolved already. Pretty happy about that. Charlotte: And of course, our call is recorded.

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